In the current climate, can I take out extra funds when I come to Remortgage to pay off debts? I am not due to Remortgage for another few months but would like info on this and also if I can add my partner to the mortgage this time round, we did not previously apply for the mortgage jointly because he had bad credit but he has been improving this. I currently owe 76k but would like to take out an extra 10k or as close to as poss. The house is worth 90k and jointly we earn 26k. Please help.

Your partner must pay his credit to have a good check. When you are already sure about it you can both apply your mortgage with no problems. Just make sure that you partner will pay his mortgage in due time.

by: real estate agents

If your partner has bad credit the lender will see this and in the cuurent market there is a strong chance that you would be declined I have been doing this job for 21 years and there is no chance with a high street lender if there is credit probs in the last 7 years it will show on a credit report.

Hi,

I feel your pain, I suggest to start shopping around for a bank to refinance your mortgage. Basically, you will end up filling out a new application, the bank will process the new application just like your first, they will do an appraisal (well, actually you will pay for an appraisal) to check on your equity and if you qualify and have equity, you should be good to go.

However, if the value of your property has declined to below what you owe or your credit score is too low, you may not be able to re-finance.

Regards,
Alan Noblitt
__________________
Seascapecapital.com

Hi,
You are already sure about it you can both apply your mortgage with no problem.Just make sure that you partner will pay his mortgage in due time.

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